Ungasarudza sei kadhi rako rebhangi?

Nhasi ndiri kutaura newe nezvenyaya isinganyatsonzwisisi nevazhinji vedu. Iri ndiro kadhi rekubhengi. Muchokwadi, makadhi ekubhengi anowanzo kubatanidzwa neakaundi yekubhangi uye anotitendera kutora mari kubva kumaATM. Chinangwa chemakadhi aya hachisi chimwe chinhu kunze kwekupa imwe sevhisi.

Aya makadhi anotipa zviri nyore, chengetedzo uye nekukurumidza mukubata mari yedu. Vanotibvumirawo kutenga muchitoro kana painternet. Muchinyorwa chino, ndinopa kwamuri marudzi akasiyana emakadhi ekubhengi saka unogona kusarudza iyo inokodzera iwe.

Ngatitangei nekutsanangura pfungwa, sezvatinogara tichiita. Asi usati watanga, heino kudzidziswa kunokubvumira kuti uite kuwana 1000euros/Zuva pa5euros.com. Dzvanya pano kuti uitenge

🥀 Chii chinonzi bank card 

Une Kadhi rebhangi inzira yekubhadhara inopihwa nebhanga kana sangano rezvemari. Iyo yakabatana neakaundi yebhangi uye inobvumira muridzi wayo kuita kutengeserana kwemari, sekutenga-muchitoro, kubvisa mari kubva kuotomatiki teller muchina (ATM) kana kubhadhara pamhepo.

Kadhi rekubhengi rinogona kutora mafomu akasiyana, kusanganisira kadhi rechikwereti kana kadhi rechikwereti. Kadhi rekubhengi rakabatana zvakananga nesarairi inowanikwa muakaundi yebhangi yemuridzi. Kana kadhi richishandiswa, mari yekutengeserana inobva yabviswa kubva kumari yeakaunti.

Kune rumwe rutivi, kadhi rechikwereti rinobvumira muridzi waro kuti aitekukwereta marit kubva kubhangi kana kadhi rinopa. Kushandisa nekadhi rechikwereti kunowedzerwa pachikwereti chinofanira kubhadharwa gare gare, kazhinji nemhindu kana mari yasara ikasabhadharwa zvakakwana mwedzi woga woga.

Makadhi ekubhangi kazhinji ane a microchip uye magineti strip kufambisa kutengeserana. Ivo vanogona zvakare kuve vakashongedzerwa nemamwe maficha, akadai semibairo zvirongwa, inishuwarenzi kana kusabatika kubhadhara sarudzo.

🥀 Nhoroondo yemakadhi echikwereti

Izvo zvese zvakatanga muna 1914 neWestern Union, iyo yakanga yagadzira kadhi kune vatengi vayo veVIP. Iri kadhi raivapa rubatsiro rwakanaka uye mukana wekuwana makiredhiti pasina muripo. Uku kwaive kuuya kwemakadhi ekubhanga. Kubva ipapo, mamwe makambani mazhinji akatanga kuburitsa makadhi avo.

Panguva iyoyo, makadhi ekubhengi akaitirwa kushandiswa chete kweiyo yakavapa, kuvaka kuvimbika kwevatengi. Aya makadhi akaitirwawo kupa VIP kurapwa uye kiredhiti iyo yaifambisa kutenga mukati mebhizinesi pacharo.

Kunyange zvazvo, sezvizhinji zvakaunzwa zvikuru, yakaberekwa netsaona, kugadzirwa kwemepu iyi yokutanga kwaizopararira sefuro. the Diners Club rakanga riri rekutanga kadhi rechikwereti, iro rakaita kuti zvikwanisike kubhadhara mumaresitorendi akati wandei akanga abatana kuti abvumire kubhadhara kunononotswa.

Sezvo yakawedzera, masangano ezvemari muUnited States yose akatanga kuburitsa makadhi. Nguva imwe neimwe, makadhi aiita kuti zvibvire kubhadhara munzvimbo dzakawanda.

Uye 1958, American Express uye Bank of America, vakanga vachizobatana neboom mumakadhi aya izvo zvakaita kuti zvikwanise kumisa kutenga kwekubhadhara kwemari shoma shoma.

Mastercard akaberekwa pakupera kwema60s, achiita kusvetukira kuEurope. VISA yakazvarwa muna 1977 kubva kumubatanidzwa wemabhanga akati wandei, inotungamirwa neBank of America.

🥀 Mhando dzakasiyana dzekadhi rechikwereti

Kune marudzi akawanda emakadhi ekubhengi, rimwe nerimwe rine maitiro aro. Muchinyorwa chino, ndatora dambudziko kuti ndikuratidze iwe hunhu hwemhando yega yega yekadhi rebhangi kuitira kuti ugone kuita sarudzo yako nyore.

Aya maficha achakubvumidzawo kudzikisa kana kudzivirira mamwe machaji ebhangi. Ndinokurudzira kuti utarise gwara rangu pa nzira yekudzivirira mari dzebhangi dzakakwirira.

✔️ Madhibhiti makadhi

Mhando yekutanga yekadhi rebhangi pane yedu chinyorwa kadhi rekubhengi. Imhando yekadhi inogona chete kuva nemari yainayo muakaundi yebhangi yakabatana. Ndokunge, kunyangwe iwe uchigona kubvisa mari kubva kumaATM uye kubhadhara muzvitoro, muganho uri muaccount yako.

Rudzi urwu rwekadhi ndeimwe yeakawanda. Inogona kushandiswa kubvisa mari kubva kumaATM, kubhadhara mabhiri muzvitoro uko inogamuchirwa. Iri kadhi zvakare rinokutendera iwe kuti utore uye mamwe mabatiro akadai sekutarisa mabharari eakaundi, nezvimwe.

Kazhinji ane a muganhu wezuva nezuva Kubvisa mari yakawanda. Iwe unofanirwa kubvunza bhanga rako kuti uzive muganhu uyu.

➤ Debit card features

Kadhi rekubhengi rine akati wandei akasarudzika anoita kuti ive yakakurumbira uye iri nyore kubhadhara nzira. Heano mamwe emhando yayo huru:

Kupinda zvakananga kuakaundi yebhangi: Kadhi rekubhengi rakabatana zvakananga neakaundi yekubhangi yemuridzi. Kana yakashandiswa kutenga kana kubvisa mari, mari inowirirana inobva yabviswa kubva pamari inowanikwa pane account.

Kushandiswa kwakasiyana-siyana: Madhibhiti makadhi anogona kushandiswa mumamiriro akasiyana-siyana. Inogona kushandiswa kutenga muchitoro, pamhepo kana parunhare, pamwe chete nekubvisa mari mumichina yekuteta otomatiki (ATM).

Chengetedzo: Madhibhiti makadhi anowanzo kuve ane microchip uye PIN (Personal Identification Number) kuve nechokwadi chekuchengetedzwa kwekutengeserana. Muridzi wemakadhi anofanirwa kuisa PIN pakuita kutengeserana, iyo inowedzera imwe dura rekuchengetedza.

Hapana mari yekukwereta: Kusiyana nemakadhi echikwereti, makadhi ekubhengi haakubvumidzi kukwereta mari. Mari inoshandiswa nekadhi rebhengi inobviswa zvakananga kubva pamari inowanikwa muakaundi yebhangi yemuridzi.

Kutsvaga mari: Matekisheni anoitwa nekadhi rechikwereti anowanzo kunyorwa pachiratidziro cheakaundi yebhangi yemuridzi, zvichiita kuti zvive nyore kuronda mari uye kubata mari yako.

Hapana mari yemubereko: Sezvo makadhi ekubhengi asingakubvumidze kukwereta mari, kazhinji haabhadharisi mubereko. Nekudaro, mamwe mabhangi anogona kubhadharisa mushandisi mubhadharo kana mubhadharo kune mamwe mabatiro chaiwo.

Zvakakosha kuziva kuti zvinhu zvekadhi rechikwereti zvinogona kusiyana zvichienderana nebhangi rinopa uye nenyika yarinoshandiswa. Zvinokurudzirwa kubvunza zvirevo zvebhangi uye marongero kuti uwane ruzivo rwakadzama pane chaidzo makadhi ekubhengi.

✔️ Makadhi echikwereti

Makadhi echikwereti inzira yenguva pfupi yemari yevatengi vebhangi. Izvi zvinoreva kuti unogona kutenga kana usina mari yakakwana muakaundi yako.

Musiyano mukuru nekadhi rechikwereti ndewekuti kadhi rechikwereti yakabatana nechikwereti. Mune mamwe mazwi, kana tine kadhi rechikwereti rine chikwereti che € 5, kunyange kana tisina mari muakaundi yedu yebhangi, tinogona kubvisa kubva kumaATM kana kubhadhara muchitoro. kusvika ku € 5.

Rangarira kuti kushandisa kadhi rechikwereti kune mhedzisiro yakafanana neimwe nzira yechikwereti. Mune mamwe mazwi, unosungirwa kudzorera mari uye kubhadhara mubereko waitwa.

➤ Zvimiro zvekadhi rechikwereti

Kadhi rechikwereti rine zvinhu zvakasiyana-siyana zvinoita kuti ive nzira yekubhadhara yakakurumbira uye inosiyana-siyana. Heano mamwe emhando yayo huru:

Kukwereta mari: Kusiyana nekadhi rechikwereti, kadhi rechikwereti rinobvumira muridzi waro kukwereta mari kubva kubhangi rinopa kana sangano rezvemari. Mari inoshandiswa nekadhi inowedzerwa kune imwe mari inofanira kubhadharwa gare gare.

Nguva yenyasha: Kadhi rechikwereti rinowanzopa nguva yenyasha panguva iyo pasina mubereko unochajwa pazvinhu zvinenge zvashandiswa. Iyi nguva inowanzosiyana pakati pe21 ne30 mazuva kubva pazuva rekutengeserana. Kana mari yasara ikabhadharwa zvizere nguva yenyasha isati yapera, hapana mhindu inochajwa.

Mari dzemhindu: Kana chikamu chekadhi rechikwereti chikasabhadharwa zvizere nguva yenyasha isati yapera, mibairo ichaiswa pasarasara. Mitengo yemubereko yekadhi rechikwereti inogona kusiyana zvakanyanya, saka zvakakosha kutarisa mazwi chaiwo neanopa kadhi.

Payment flexibility: Makadhi echikwereti anopa kuchinjika maererano nekubhadhara. Vane makadhi vanogona kusarudza kudzorera mari yakazara yakashandiswa mwedzi wega wega kana kubhadhara zvishoma, izvo zvinowanzobatanidza mubereko. Zvisineyi, zvinokurudzirwa kubhadhara chiyero chakazara mwedzi wega wega kuti udzivise kubhadharisa mhindu yakakwirira.

Mibayiro uye mabhenefiti: Makadhi echikwereti akawanda anopa mapurogiramu emubayiro, akadai semapoinzi, mari yekudzosa kana mamaira endege, ayo anobvumira vane makadhi kuwana mamwe mabhenefiti pavanenge vachishandisa kadhi ravo kutenga.

Consumer protection: Kadhi rechikwereti rinowanzopa dziviriro yakawedzerwa kune vatengi muchiitiko chekubiridzira kana kukakavara nemutengesi. Vanogonawo kupa imwe inishuwarenzi yekuwedzera, senge inishuwarenzi yekufamba kana dziviriro yekutenga.

✔️ Makadhi ekubhadhara anogona kudzokororwa kana kuverengerwa

Aya ndiwo makadhi echikwereti umo nzira yekubhadhara inochinjika yakasarudzwa. Vanokutendera kuti udzose chikwereti chakadzoserwa nekubhadhara zvikamu zvenguva nenguva izvo zvinosiyana zvichienderana nemari yakarongwa.

Mukati memiganhu yakatarwa nebhangi rako, unogona kuseta huwandu hwedhipoziti. Asi, ziva kuti nekubhadhara kwega kwega, chikwereti chiripo pakadhi chinozadzikiswa. Mune mamwe mazwi, iwe unogona kuwana huwandu hwemari yaunotora pane imwe neimwe share. Ndezvipi zvakakosha zvemakadhi ekubhadhara akaverengerwa?

➤ Hunhu hwemakadhi ekubhadhara akaverengerwa

Makadhi ekubhadhara akaverengerwa, anozivikanwawo semakadhi echikwereti akarembedzwa, ane mamwe maficha. Heano mamwe emhando yavo huru:

Kuregererwa kwekubhadhara: Makadhi ekubhadhara akaverengerwa anobvumira vane makadhi kumbomira kubhadhara chikamu chekadhi zvizere kusvika pane rimwe zuva, kazhinji pakupera kwemwedzi unotevera. Izvi zvinoreva kuti mari inoshandiswa nekadhi haifaniri kudzorerwa pakarepo.

Nguva yenyasha: Makadhi ekubhadhara akamisikidzwa anowanzopa nguva yenyasha panguva iyo pasina mubereko unochajwa pane chero mari inoshandiswa. Iyi nguva inowanzosiyana pakati pe21 ne30 mazuva kubva pazuva rekutengeserana. Kana mari yasara ikabhadharwa zvizere nguva yenyasha isati yapera, hapana mhindu inochajwa.

Mari dzemhindu: Kana chikamu chekadhi chikasabhadharwa zvizere nguva yenyasha isati yapera, mibairo ichaiswa pasarasara. Mbereko yemakadhi ekubhadhara akadzokororwa anogona kusiyana, saka zvakakosha kutarisa mazwi chaiwo nemupi wemakadhi.

Payment flexibility: Vane makadhi ekubhadhara vakamisikidzwa vane sarudzo yekudzorera mari yakazara yakashandiswa mwedzi wega wega kana kubhadhara zvishoma. Zvisineyi, zvinokurudzirwa kubhadhara chiyero chakazara mwedzi wega wega kuti udzivise kubhadharisa mhindu yakakwirira.

Kushandiswa kwakasiyana-siyana: Makadhi ekubhadhara akaverengerwa anogona kushandiswa mumamiriro akasiyana siyana, angave ekutenga muchitoro, pamhepo kana parunhare, pamwe nekubvisa mari kubva kumichina yekuteer (ATMs).

Mibayiro uye mabhenefiti: Mamwe makadhi ekubhadhara akadzoserwa anopa mibairo zvirongwa zvakafanana nekadhi rechikwereti, senge mapoinzi, mari yekudzoserwa, kana mabhenefiti akakosha ane chekuita nekushandisa kadhi.

✔️ Makadhi eprepaid kana wallet

Makadhi eprepaid anokubvumidza kuti ubhadhare. Aya makadhi haaenderane neakaundi yekubhanga. Iwo anowanzo shandiswa kuita mubhadharo mudiki uye ane mukana wekukwanisa kuichaja pese patinoda.

Naizvozvo, kana kadhi rakabiwa, kurasikirwa kwako kukuru kuchava chiyero pamakadhi panguva iyoyo. Makadhi eprepaid akafanana nemakadhi ekubhengi sezvo mutengi achingokwanisa kuwana chiyero chaicho pakadhi.

➤ Zvimiro zvemakadhi eprepaid

Makadhi eprepaid ane mamwe maficha anoasiyanisa kubva kune mamwe marudzi emakadhi ekubhadhara. Heano mamwe emhando yavo huru:

Pre-loading: Makadhi eprepaid anofanira kutakurwa nemari yakati asati ashandiswa. Izvi zvinoreva kuti muridzi wemakadhi anofanira kuisa mari mukadhi vasati vatenga kana kubhadhara.

Shandisa inogumira kune yasara iripo: Kushandisa nekadhi rekubhadhara kunogumira pamari yakamboiswa pakadhi. Kana imwe chiyero chiripo chapera, kadhi haigoni kushandiswa kunze kwekunge yaiswazve.

Hapana chinongedzo neakaundi yekubhangi: Kusiyana nemakadhi ekubhengi kana echikwereti, makadhi anobhadharwa haasungirwe kune imwe account yekubhangi. Ivo vanoshanda vakazvimiririra uye havana mhedzisiro pamari yemunhu anenge aine mari inodarika huwandu hwakatakurwa pakadhi.

Kusazivikanwa Makadhi eprepaid anowanzopa mwero wokusazivikanwa nokuti haana kubatanidzwa zvakananga nokuzivikanwa kwomuridzi wemakadhi. Izvi zvinogona kubatsira kune avo vanoda kuchengetedza zvakavanzika zvavo panguva yekutengeserana kwemari.

Kushandiswa kwakasiyana-siyana: Makadhi eprepaid anogona kazhinji kushandiswa mumamiriro ezvinhu akafanana nemamwe makadhi ekubhadhara, angave ekutenga muchitoro, pamhepo kana parunhare. Anogona zvakare kushandiswa kutora mari kubva kuotomatiki teller machines (ATMs).

Hapana mubereko kana muripo weoverdraft: Sezvo makadhi eprepaid achishanda nemari yakamboiswa kare, hapana muripo wemubereko une chekuita nekushandiswa kwawo. Mukuwedzera, hazvibviri kushandisa mari yakawanda kupfuura iyo inowanikwa, iyo inobvisa njodzi ye pachena.

Zvakakosha kucherechedza kuti zvinhu zvakananga zvekadhi rekubhadhara zvinogona kusiyana zvichienderana neanopa uye mazwi ane chokuita nekadhi.

✔️ Multi-currency makadhi

Rudzi urwu rwekadhi haruna kufarirwa sekare, asi runokubvumira kuti uwedzere kadhi rako mune imwe mari uye uite mubhadharo mumatatu kana mana akasiyana mari.

Semuyenzaniso, kana ndikatakura kadhi rangu neMexican Pesos, kadhi iri richandibvumira kubhadhara kwete muPesos chete, asiwo mumadhora ekuAmerica, euro uye mapaundi, somuenzaniso.

Iri kadhi rinoshanda sekadhi rekubhadhara, uko mari inoiswa musati maitwa chero ekubhadhara. Chakanakira kadhi iri ndechekuti mitengo yekushandura kubva kune imwe mari kuenda kune imwe inodzivirirwa kana uchifamba.

✔️ makadhi chaiwo

Virtual makadhi makadhi ekubhadhara anowanikwa chete mune zvemagetsi fomu, pasina tsigiro yemuviri. Vane mamwe maitiro chaiwo:

Kushandiswa kwepamhepo: Virtual makadhi anonyanya kugadzirirwa kutenga online. Ivo vanowanzobatanidzwa nenhamba yekadhi, zuva rekupera uye chengetedzo kodhi (CVV), iyo inogona kushandiswa panguva yekubhadhara maitiro pawebhusaiti.

Kuchengetedzwa kwakawedzerwa: Makadhi eVirtual anopa imwe nhanho yekuchengetedza yekutengeserana kwepamhepo. Sezvo dzisiri dzenyama, kashoma kuti dzirasikirwe kana kubiwa. Pamusoro pezvo, mamwe makadhi chaiwo anoshandiswa-kamwechete, zvichireva kuti anogona kungoshandiswa kamwe chete kune chaiyo kutengeserana, kuwedzera kuchengetedzeka.

Kudzora mari: Makadhi chaiwo anobvumira vashandisi kuseta mashandisiro chaiwo enguva yakatarwa. Izvi zvinogona kubatsira pakudzora mashandisiro epamhepo uye kudzivirira kutenga pasina kufunga.

Zvinogona kusazivikanwa: Mune zvimwe zviitiko, makadhi chaiwo anogona kupa dhigirii rekusazivikanwa paunenge uchitenga online. Sezvo vasina hukama hwakananga nekuzivikanwa kwemubati, zvingave zvakanyanya kuoma kutsvaga matransaction kumashure kune mumwe munhu.

Kureruka kwekugadzira uye kushandisa: Makadhi eVirtual anogona kugadzirwa nekukurumidza uye nyore online, pasina chikonzero chekushanya kubhangi kana sangano rezvemari. Uyezve, vanogona kushandiswa pakarepo mushure mekugadzirwa.

Mashandisiro Asingakwanisi : Virtual makadhi anogona kunge aine mamwe mashandisiro asingakwanisi. Semuyenzaniso, anogona kunge asingagamuchirwe muzvitoro zvese zvepamhepo kana kuti asashandiswe kune mamwe marudzi ekutengeserana, akadai sekubviswa kwemari kubva kumashini anotengesa mateki (ATM).

🥀 Pfupiso…

Mukupedzisa, sarudza kadhi rako rechikwereti chisarudzo chinokosha chinotsamira pazvinhu zvakawanda zvomunhu oga. Izvo zvakakosha kuti utarise zvaunoda chaizvo, mararamiro uye zvaunofarira pamari paunosarudza kadhi rekubhangi.

Chinyorwa ichi chakaongorora mapoka akasiyana emakadhi ekubhangi, anosanganisira makadhi echikwereti, makadhi ekubhadhara akaverengerwa, makadhi anobhadharwa uye makadhi chaiwo. Rimwe nerimwe remakadhi aya rine zvinhu zvakasiyana-siyana zvinogona kuzadzisa zvinodiwa chaizvo.

Pakusarudza kadhi rechikwereti, zvakakosha kuti utarise zvinhu zvakaita semiripo yakabatana, mabhenefiti uye mibairo inopihwa, mari dzemhindu, kuchinjika kwekubhadhara, uye chengetedzo. Zvinokurudzirwawo kuenzanisa zvinopihwa kubva kune akasiyana masangano emari kuti uwane kadhi rinonyatsoenderana nezvido zvako.

Pakupedzisira, hapana kadhi rebhangi repasi rose rinoenderana nemunhu wese. Ichi chisarudzo chomunhu oga chinoda kunyatsofungisisa. Nekunzwisisa maficha uye sarudzo dziripo, zvinokwanisika kusarudza kadhi rebhangi rinogonesa kutonga kwemari zuva nezuva uye inopa mabhenefiti akachinjirwa kumararamiro ako.

Kunyangwe kubata mashandisiro aunoita mari, kubatsirwa kubva kumibairo kana kuve nechokwadi chekushandiswa kwepamhepo kwakachengeteka, kusarudza kadhi rebhangi chairo kunogona kuita kuti uwedzere kunakidza uye unoshanda ruzivo rwemari.

FAQ - Ungasarudza sei kadhi rako rebhangi?

Mubvunzo: Ndeapi mapoka akasiyana emakadhi ebhangi?
A: Iwo makuru mapoka emakadhi ekubhangi makadhi echikwereti, makadhi ekubhadhara akaverengerwa, makadhi anobhadharwa uye chaiwo makadhi.

Mubvunzo: Ndezvipi zvinhu zvaunofanira kufunga nezvazvo pakusarudza kadhi rechikwereti?
A: Zvakakosha kufunga zvaunoda chaizvo, mararamiro uye zvaunofarira pamari paunosarudza kadhi rechikwereti. Zvinokurudzirwawo kufunga zvinhu zvakaita semubhadharo wakabatana, mabhenefiti uye mibairo inopihwa, mubereko wemari, kuchinjika kwekubhadhara uye kuchengetedzeka.

Mubvunzo: Ndinosarudza sei pakati pekadhi rechikwereti nekadhi rekubhadhara rakaverengerwa?
A: Makadhi echikwereti anokubvumira kukwereta mari kubhangi kuti utenge. Makadhi ekubhadhara akaverengerwa anokutendera kuti umbomira kubhadhara chikamu chakazara kusvika rimwe zuva. Sarudzo ichaenderana nekukwanisa kubhadhara chiyero mwedzi wega wega kana kusarudza kudzoserwa mubhadharo.

Mubvunzo: Ndezvipi zvakanakira makadhi eprepaid?
A: Makadhi anobhadharwa kare anopa kutonga kwekushandisa, imwe nhanho yekuchengetedza uye imwe nhanho yekusazivikanwa.

Mubvunzo: Sei uchishandisa kadhi rechokwadi?
A: Virtual makadhi anopa imwe nhanho yekuchengetedza yekutengeserana kwepamhepo uye inogona kugadzirwa nekukurumidza uye nyore online.

Mubvunzo: Ndinosarudza sei kadhi rechikwereti rakandinakira?
A: Hapana kadhi rebhangi repasi rose rinoenderana nemunhu wese. Izvo zvakakosha kuti utarise zvaunoda chaizvo uye kuenzanisa zvinopihwa kubva kune akasiyana masangano emari kuti uwane kadhi rinonyatsoenderana nezvido zvako.